SelfyCare Travel
SelfyCare Travel is a travel insurance for the IT market with online purchase and 24/7 assistance.
Direct payment
For medical expenses, the assistance structure (IMA Italia Assistance S.p.A.) arranges direct payment of hospital and surgical expenses when contacted at +39 02.24128734. In cases where direct payment is not possible, expenses are reimbursed provided the assistance structure was contacted in advance or at the latest before discharge.
Geographic scope
IT
Worldwide (Europa, Mondo intero compreso USA/Canada, Mondo intero escluso USA/Canada); per viaggi in auto valida oltre 50 km dal luogo di dimora abituale; non valida verso Paesi in stato di belligeranza elencati in polizza
Unique selling points
- Medical expense coverage of up to €3,500,000 per person for worldwide travel including USA/Canada — one of the highest limits available for Italian consumer travel policies.
- COVID-19 treatment is explicitly included in the medical expenses guarantee, with no additional premium required.
- Up to 9 travelers can be covered under a single policy, and the policyholder does not need to be one of the travelers — ideal for families and groups.
- Fully digital subscription available exclusively via the Banca Mediolanum Selfy app (requires a Banca Mediolanum current account), with instant policy issuance in minutes and no paperwork.
- The Top formula includes trip cancellation, interruption, missed flight/ship and delayed departure coverage — all within a single per-trip policy with no annual commitment.
Coverage limits
Medical expenses in travel
Covered
Reimbursement of medical expenses incurred during travel due to injury or illness that are necessary and cannot be deferred to return home. Maximum limits vary by formula and destination: worldwide including USA/Canada: €3,500,000 (both Smart and Top); worldwide excluding USA/Canada: €2,000,000; Europe: €1,000,000; Italy: €3,000 (Top) / €2,000 (Smart). A deductible of €50 per claim applies. Coverage operative for a maximum of 100 days of hospitalization.
Emergency medical and pharmaceutical expenses (outpatient)
Covered
Reimbursement of expenses for medical visits, outpatient care, first aid, day hospital and prescription pharmaceuticals incurred during travel. Maximum per person per insurance period: Top formula €3,000; Smart formula €2,000. Subject to the overall medical expenses guarantee limit per destination.
Hospitalization expenses
Covered
Hospitalization expenses are covered under the general medical expenses guarantee (Art. 5). The assistance structure arranges direct payment of hospital and surgical expenses. Coverage is operative for a maximum of 100 days of total hospitalization. The overall guarantee maximum applies by destination: up to €3,500,000 worldwide including USA/Canada.
Outpatient treatment and follow-up care
Covered
Outpatient care expenses during travel are covered under Art. 5.1 (medical and pharmaceutical expenses, max Top €3,000 / Smart €2,000). Follow-up treatment including physiotherapy after an injury occurring during travel, incurred within 30 days of return, is also covered: max Top €500 / Smart €300.
Emergency dental treatment
Covered
Reimbursement of expenses for urgent dental treatment during travel that cannot be deferred until return. Maximum per person per insurance period: Top formula €500; Smart formula €300.
Medical transport (local)
Covered
Organisation and full assumption of costs for medical transport when the assistance structure's medical service recommends transfer from the emergency treatment centre to a better-equipped local medical centre. Transport is entirely organised at the Company's expense using the most suitable means as determined by the assistance structure. Use of a medical aircraft is limited to local transfers.
Medical repatriation / evacuation
Covered
Organisation and full assumption of costs for medical repatriation of the insured to their place of residence or a suitably equipped hospital in Italy when injury or illness cannot be treated on-site, as determined by the assistance structure's doctors. Transport includes medical or nursing assistance during travel if required. From non-European countries (except Mediterranean basin and Canary Islands), transport is exclusively by scheduled airline in economy class, with stretcher if needed.
Repatriation of mortal remains
Covered
Organisation and full assumption of costs for transport of the insured's mortal remains from the place of death to the place of residence. Funeral expenses and any recovery or search for the remains are excluded.
Search and rescue expenses
Excluded
Expenses for the search of missing/dispersed persons are excluded in general; however, they are covered up to a maximum of €1,500 if incurred by public authorities or bodies.
COVID-19 treatment
Covered
COVID-19 is explicitly included in coverage. The policy states that epidemics and pandemics are excluded except for COVID-19 as declared by the World Health Organization, therefore COVID-19 is expressly included within the medical expenses guarantee.
Pre-existing conditions
Excluded
Pre-existing conditions (defined as chronic/recurrent pathological conditions diagnosed before the policy subscription date) are explicitly excluded from all coverages. Additionally, for the trip cancellation guarantee, any illness already in progress at the time of booking or policy subscription is also excluded.
Winter sports coverage
Conditional
Skiing is covered for recreational leisure activity; however, injuries occurring during races, competitions and related trials or training organised or held under the aegis of sports federations or equivalent associations are excluded. Ski acrobatics (free style), guidoslitta, skeleton, bob, and ski jumping from trampoline are explicitly excluded at all times.
Adventure / extreme sports coverage
Excluded
A wide range of adventure and extreme sports are explicitly excluded, including: rock climbing / glacier access, free climbing, air sports, hang gliding, ultralight aircraft, skydiving, hot air ballooning, paragliding; racing and motor competitions; skeleton, bob, kitesurfing (unless purely recreational and occasional), scuba diving (unless purely recreational and occasional), boxing, wrestling, martial arts, heavy athletics, rugby, American football, speleology; and all sports activities practised professionally.
Pregnancy complications
Conditional
Diseases related to pregnancy beyond the 26th week of gestation, and those related to the puerperium, therapeutic abortion and childbirth are explicitly excluded. Pregnancy complications occurring within the first 26 weeks of gestation and arising after the policy effective date may be covered under the general medical expenses guarantee if they are not pre-existing.
Personal civil liability
Excluded
Personal civil liability coverage is not included as a standalone guarantee. The policy includes a legal assistance guarantee (Tutela Legale) covering legal defence costs and certain civil claims, but does not include a personal liability indemnity coverage for third-party damage claims.
Legal assistance (Tutela Legale)
Covered
Legal protection covering legal defence costs, mediation, arbitration, court and investigation expenses for disputes arising during or from travel; provided in collaboration with ARAG SE. Maximum per claim per insurance period: Europe and Mediterranean countries €1,500; USA and Canada €5,000; rest of the world €4,000. Also covers advance of legal defence costs (up to €2,500) and criminal bail (up to €15,000) through the assistance structure. Available in both Smart and Top formulas.
24/7 travel assistance
Covered
Comprehensive 24/7 travel assistance services provided by IMA Italia Assistance S.p.A. via a dedicated telephone number (+39 02.24128734), active 24 hours a day, 7 days a week. Services include: telephone medical consultation, medicine delivery, medical transport, medical repatriation, convalescent return, family travel, advance of emergency funds (up to €5,000), emergency message transmission, interpreter service (up to €1,500), advance of legal defence costs and bail, repatriation of mortal remains, reimbursement of telephone expenses (up to €150). All services require prior authorisation from the assistance structure.
Key conditions
Assistance call deadline
For the medical assistance and medical expenses guarantee, the insured must contact the assistance structure (IMA Italia Assistance S.p.A., +39 02.24128734, active 24/7) before taking any personal initiative. In case of objectively documented force majeure preventing contact, the insured must call as soon as possible, always before taking any initiative. After contact and agreement with the structure, a formal claim must be filed within 15 days of the event. Failure to comply may result in forfeiture of entitlement to benefits pursuant to Art. 1915 of the Italian Civil Code.
Unauthorized treatment
No reimbursement is provided for benefits under the assistance guarantee without prior authorisation from the assistance structure, except for medical and pharmaceutical expenses, follow-up treatment costs and emergency dental expenses. Failure to contact the assistance structure may result in total or partial forfeiture of the right to benefits. If the insured self-organises due to documented objective force majeure for transport and repatriation services, the Company reimburses expenses up to the maximum in the insurance certificate, at the strict discretion of the assistance structure.
Purchase while abroad
The policy must be purchased before the start of travel and from Italy; it is not permitted to subscribe the policy once travel has begun, nor to cover travel departing from outside Italy. The contractor must be a holder of a current account at Banca Mediolanum S.p.A. and subscribe exclusively via the Selfy mobile app. The premium is charged in a single upfront payment by direct debit to the Banca Mediolanum current account.
Chronic conditions
Persons suffering from chronic alcoholism, AIDS, drug addiction or organic brain syndromes are not insurable. Furthermore, the insurance ceases for an insured person upon the manifestation of such conditions within thirty days of the termination date of the insurance.
Pregnancy
Diseases related to pregnancy beyond the 26th week of gestation, puerperium, therapeutic abortion and childbirth are explicitly excluded from all coverages. For the trip cancellation guarantee, pregnancy pathologies that arose before the guarantee effective date are also excluded.
pre_existing_conditions
Pre-existing conditions (chronic/recurrent pathological conditions diagnosed before the policy subscription date) are explicitly excluded from all coverages. For the trip cancellation guarantee, any illness already active at the time of travel booking and/or policy subscription is also excluded.
coverage_duration_limit
Coverage is operative for trips with a duration not exceeding 100 consecutive days. The medical expenses guarantee is operative for a maximum of 100 days of total hospitalization. The policy is issued on a temporary basis and terminates automatically at the expiry date indicated in the insurance certificate without tacit renewal.
Where to buy
Policy specifics
Medical expenses in travel
Coverage for medical expenses incurred during travel due to injury or illness
Trip cancellation
Coverage for trip cancellation penalty reimbursement due to specified events (Top formula only)
Travel assistance services
24/7 medical and practical assistance services available during travel
Baggage coverage
Coverage for loss, damage or theft of personal luggage and belongings during travel
Travel injury coverage
Coverage for accidental bodily injuries sustained during travel activities
Delayed departure coverage
Coverage for trip cancellation or modification costs if first transport is significantly delayed
Legal protection
Coverage for legal defense costs and dispute resolution expenses arising during or from travel
Trip interruption coverage
Reimbursement for unused travel expenses if trip is cut short due to covered medical or family events
Maximum trip duration
Coverage is limited to consecutive travel periods not exceeding 100 days
Age eligibility
Insurance is available only for individuals not exceeding 75 years of age at time of subscription
Bank account requirement
Policy is exclusive to Banca Mediolanum current account holders; product sold via Selfy app only
Travel purpose restriction
Coverage applies only to leisure, study, or business travel; excludes any professional or manual labor
Maximum number of insured persons
A single policy can cover up to 9 travelers; contractor need not be one of the travelers
Coverage formula selection
Two distinct coverage levels available: Smart (basic) and Top (comprehensive with cancellation coverage)
Multi-traveler discount
Discount applied for group bookings covering more than 4 travelers
No right of withdrawal for short-term policies
Right of withdrawal does not apply to travel insurance policies or analogous short-term policies with duration under one month
Worldwide coverage validity
Insurance is valid worldwide for all eligible travel destinations